How do I remove a public record - jedgment - from credit report?

Posted on July 9, 2009
Filed Under Credit |




I found a public record which I have no idea on my credit report. I disputed it with credit agency directly. Is it an appropriate approach or should I investigate to understand details and contact the plaintiff?

Comments

4 Responses to “How do I remove a public record - jedgment - from credit report?”

  1. Cynthia M on July 11th, 2009 5:52 pm

    You can’t unless you have an attorney expunge the debt through the court system. Judgments remain on public record for 10 years.

  2. If it aint fixed broker it on July 11th, 2009 9:49 pm

    I don’t know how you contacted the credit bureaus, but if it wasn’t with this contact info, try it.

    Equifax
    PO Box 740214
    Atlanta, GA 30374-0241
    800-685-1111

    Experian
    PO Box 2104
    Allen, TX 75013
    888-397-3742

    Trans Union
    PO Box 1000
    Chester, PA 19022
    800-888-4213

    These can be found at the end of your credit report. If you are truly at fault and it’s something you let slide, there is nothing you can do until they fall off. If it’s bogus, which is often the case, you can contact the bureaus above to dispute the judgment. Also, it should say which of the 3 bureaus is reporting the judgment. Start there. Regardless of whether or not it’s a legitimate mark on your report, it will still take a long time (months possibly) for the bureaus to correct it. It stinks, but there’s not much that can be done about it. Good luck.

  3. spifiman1 on July 14th, 2009 2:46 pm

    If you have already disputed it with the credit bureaus, you need to wait and see what they say. They have 30-days to prove the information correct or they are required to remove it.

    If it is correct? You can not remove it. You will just have to wait it out until it drops off your credit by itself. 7-10 years from the last reported date.

  4. beccasmom99 on July 15th, 2009 10:29 pm

    This happened to me as well. It wasn’t easy. I had to get my attorney to file a motion to vacate the judgement on the basis that I was never served. I didn’t deny the debt was mine and agreed to pay it anyway and was finally able to get it removed by sending all the paper work to the credit bureaus.

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